The Zorro Platform

The most advanced ICHRA platform. Period.

Fueled by breakthrough technology, Zorro helps brokers sell, employers buy, and employees engage with ICHRA.
Zorro combines employer and employee preferences with thousands of real-world data points to guide smarter ICHRA decisions.

One platform, everything you need

Optimized budgeting & plan design

Generate instant quotes and effortless plan design comparisons, streamlining budget allocation and tailoring coverage to your workforce.

  • AI benchmarking
  • Expert allowance modelling
  • Customized plan design

Seamless onboarding & administration

Zorro manages the transition from group coverage to ICHRA and automates ongoing plan administration.

  • Digital onboarding flow
  • Customized education and communication
  • Easy employee additions and terms
Seamless Onboarding

Personalized decision support

Zorro’s AI-powered decision support engine customizes plan recommendations for each individual’s doctors, medications, and overall preferences.

  • Tailored plan recommendations
  • Side-by-side comparisons
  • Interactive assistance

Effortless enrollment

Zorro ensures enrollment runs smoothly—automating the minutia while guiding employees through the rest.

  • Centralized enrollment management
  • Carrier connectivity
  • Smart application and payment flows

Secure, automated ICHRA payments

Employee Zorro Pay cards are automatically loaded with the full premium amount each month to streamline payments and eliminate the hassle of reimbursements.

  • Virtual Zorro Pay card
  • Autopay setup
  • Smart auditing and alerts

Extensive and transparent reporting

Zorro surfaces timely and accurate data to give brokers and employers complete plan insight and help them administer a fully compliant plan.

  • Payroll reporting and integrations
  • Deep financial reporting
  • Native compliance data
Extensive and transparent reporting
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AI is more than a buzzword

Zorro’s AI capabilities are at the heart of everything we do, setting us apart as a leader in the industry. By tapping into advanced technology and data analytics, we help:

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Brokers anticipate the needs of their clients and support them effectively.

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Employers design and optimize benefits that meet the needs of the business.

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Employees make smart decisions about the benefits they purchase, even beyond medical.

AI security

Responsible AI

Complete AI security is our north star. You’re entrusting us with your data–we take that seriously.

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Developed by humans, for humans. Our technology is created and QA-ed by real experts.

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Guardrailed and controlled. Our AI is continuously monitored for accuracy and precision.

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Protected. Data is never shared or used except to improve each user’s experience.

Nothing is more important to us than compliance, security and privacy. We are SOC2 Type II and HIPAA certified.

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Estimate your savings—in seconds

Enter your company details for an instant cost estimate.

All things ICHRA, all in one place

"Implementing Zorro's healthcare solution reduced our administrative overhead by 30% while providing employees with faster access to quality care."
$4.2M
average annual savings
94%
affordable coverage
"Implementing an ICHRA-based healthcare benefits model with Zorro enabled us to ensure that our employees felt informed, confident, and supported when navigating the transition."
$2.25M
annual savings
60
available plans
"Our overall experience was great. At the same time, it allowed the company to reap the benefits and cost savings associated with these plans."
53%
annual savings
>60
available plans

Blog

2025 Broker ICHRA Survey Report: Key ICHRA Trends and Statistics for 2025

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Blog

New Zorro Data Reveals Most Brokers Expect Surge in ICHRA Adoption Over Next Five Years

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Press

Exclusive: Zorro clinches $20M Series A for ICHRA health plans

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Cut costs, not coverage

Unlock better benefits with the industry's smartest ICHRA solution.